Hvad er en skylderklæring?

En skylderklæring, er en erklæring fra den debitor til en kreditor, hvor debitor erklærer, at hvor personen eller virksomheden, vedkender sig en eller flere skyldige beløb - eksempelvis en manglende faktura. Fordelen ved en skylderklæring er, at du som kreditor har et væsentlig bedre krav mod skyldner, end hvis kravet blot var en ubetalt faktura. En skylderklæring har grundlæggende samme tyngde som havde du en dom mod skyldner. Har du en skylderklæring forældes kravet i øvrigt efter 10 år - hvor forældelsen på et simpelt krav (som fx. en faktura) forældes efter 3 år.

Hvorfor gøre brug af en skylderklæring skabelon?

Er din skylderklæring ikke juridisk korrekt udfyldt af begge parter, kan du som kreditor risikere, at denne ikke er gyldig. Vi anbefaler derfor altid at gøre brug af vores skylderklæringskabelon, så du ved, at alle juridiske formaliteter er på plads.

Skylderklæring eksempel

Med vores skylderklæring skabelon, har du et godt eksempel på hvordan din skyldnererklæring kunne se ud. Du behøver ikke 100% gøre brug af vores eksempel, og du må gerne ændre design, udseende og layout. Vi anbefaler ikke, at du ændre ordlyden i eksemplet.

Download free debt declaration template - Collectia Inkasso

Sebastian S.

03/03/2021

Download free declaration of debt template

Most debt collection claims arise from an invoice or a promissory note/loan document.

However, most business owners don't realize that debt is not just debt - and the type of debt also affects when your claim legally expires. Generally, an invoice claim expires after 3 years - that is, 3 years from when you issued your invoice.

Other types of debts, such as a promissory note, only become parental after 10 years. The same applies to debt declarations. That's why it can be a great advantage to have a debt declaration drawn up for your customer so that your claim only becomes due after 10 years instead of 3 years. This way, you have more time to recover your outstanding debt, which can be an advantage if the customer is unable to pay at this time.

Why make a debtor declaration?

There are many good reasons to make an effort to sign a debt declaration with your debtor.

If the customer has expressed that they are unable to pay or pay off your outstanding debt at this time, you may want to ask them to sign a debt declaration.

With a debt declaration, you automatically get a longer limitation period on the claim – and thus a legally stronger basis for your claim than if it had just been a simple invoice claim . By extending the extension period with a debt declaration, there is a chance that the customer's financial situation will improve over time and thus a greater opportunity to get your financial balance paid – over time.

If you want to make a debtor declaration, we recommend using a debt declaration template so that you have all the formalities in place. A template ensures that you have a legally valid statement of debt.

Consequence of financial demands on the parent

If your claim becomes time-barred, you can no longer claim it from the debtor, and you cannot make use of debt collection - neither debt collection companies, lawyers nor the courts.

We therefore always recommend, where possible, that a statement of debt is drawn up. The statement of debt has basically the same legal effect as a judgment in the enforcement court; a foundation for a claim that is not only statute-barred after 3 years - but as much as 10 years.

Download the free template below

By using our free debtor declaration template, you ensure that all legal formalities and requirements are met in order to have a legally valid debt declaration.

You can download our free debtor declaration template below. You are welcome to design or set up the template yourself to fit your company's design and layout.

Download your template

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FAQ: Frequently asked questions about debt declaration

What is a statement of debt?

A statement of debt is a declaration from the debtor to a creditor, where the debtor declares that the person or company acknowledges one or more amounts owed - for example, a missing invoice.

The advantage of a statement of debt is that you as a creditor have a significantly better claim against the debtor than if the claim was simply an unpaid invoice.

A statement of debt has basically the same weight as if you had a judgment against the debtor.
If you have a statement of debt, the claim becomes statute-barred after 10 years - where the statute of limitations on a simple claim (such as an invoice) becomes statute-barred after 3 years.

Why use a debt declaration template?

If your statement of indebtedness is not filled out legally correct by both parties, you as a creditor may risk it not being valid.

We therefore always recommend using our statement of indebtedness template so you know that all legal formalities are in place.

Guilty plea example

With our debtor statement template, you have a great example of what your debtor statement could look like. You do not have to use our example 100% and you are free to change the design, appearance and layout.

We do not recommend that you change the wording in the example.